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Orchard Bank Gold MasterCard®
Issued By: HSBC Bank Nevada, N.A. |
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Periodic Credit Limit Increases
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Free Online 24-Hour Account Access and Bill Pay
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Reports to All 3 Credit Bureaus Monthly
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Receive Gold Card Privileges and Benefits
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Enjoy the Prestige of a Gold MasterCard®
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CreditCard49 Rating
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Intro APR |
Intro APR Period |
Regular APR |
Annual Fee |
Intro Good On |
Credit Needed |
NA |
NA |
14.900% |
$79.00 |
None |
Good |
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Card Info Last Reviewed 2007-04-11 |
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Our Review
The Orchard Bank Gold MasterCard®, issued by HSBC Bank Nevada, N.A., is designed for those with an average or a limited credit history who do not wish to secure a credit card account with a deposit, as this is often the case with a secured card.
Although the card can help those with a limited credit history, it does have several costly factors that should be considered before applying.
The interest rate is average for this type of card. There is an annual fee of $79, which is about average for this type of credit card. There is also an application fee of $9. In total, the cardholder can expect to pay $88 in the first year.
This card also offers common cardholder benefits such as emergency card replacement, lost and stolen card reporting, and no liability for unauthorized transactions.
Therefore, those who may occasionally carry a balance and do not mind paying the various fees will benefit most from what the Orchard Bank Gold MasterCard® has to offer.
Additional Perks
Various Internet account related services.
Emergency card replacement.
Emergency cash replacement.
Lost and stolen card reporting.
No liability for unauthorized transactions.
Choice of payment due dates.
See website for additional benefits.
Notations
***The total application fee will vary from $9 to $39 depending on the applicant's prior credit history.
See website for complete terms and conditions of card usage and application disclosure.
View Website Details
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